TRANSACTION VERIFICATION METHOD AND APPARATUS

A transaction verification method and apparatus are provided, and are used in the field of computer technologies. The method is applied to an electronic device that includes a secure element SE, a trusted execution environment TEE, and a rich execution environment REE, and includes: In a transaction verification process, execution of service logic and data storage are performed on an SE side instead of on a TEE side, and transaction validity verification is reserved on the SE side. In this way, a problem of limited storage space and computing performance of an SE of the electronic device is resolved on a premise of ensuring security, and user experience is significantly improved. The method is also applied to a server side, and includes: performing incremental verification on a data certificate from the electronic device, and verifying validity of data that is in the data certificate and that is not recorded in a historical data certificate. This reduces redundant verification calculation on the server side. In this way, in a high-concurrency scenario of the server side, the data certificate can be quickly verified, and resources can be saved.